About

Xinja is building an independent, 100% digital neobank for Australians.

Designed from the ground up for mobile and using AI (artificial intelligence).

Xinja will revolutionise your banking experience, not just making it quick and easy but fun to track your spending & save for what you want. More importantly, it will help you (effortlessly) get ahead. So more than a mobile banking app (because it really helps you make the most out of your money) and more than a money management app (because it’s immediate – virtual banking and money management combined). And more than both, because it’s intuitive, easy, instant and fun to use.

Xinja app & products

The BETA version of the Xinja app and prepaid card is already being rolled out to the waitlist. This will be followed by Xinja home loans and then Xinja transaction accounts (subject to our obtaining a licence). For product details, see our product page!

Xinja mission

To build a bank with our customers, designed in their interests, that helps them make better money decisions without the angst. All delivered through a brilliant mobile experience.

Xinja community

Our Founding Xinjas are helping us design the bank they want now, by contributing ideas via meet-ups and online, and by being BETA testers of the early app and card to help us make it even better. Join the discussion on our forum here, and if you haven’t already, join the waitlist below to find out about meet-ups and other ways to get involved.

Xinja people

The Xinja team is a group of people from banking, customer experience & technology backgrounds with a common vision of how money should be. Read more about the Xinjas here and if you are interested in joining the team sign-up here to hear out about future opportunities.

XINJA™ is not a 'bank' and cannot conduct 'banking business' yet, but is working with regulators to become a 'bank' and be able to conduct 'banking business'.
Xinja Holdings Ltd ABN 99 618 937 054 / Australian Credit Licence #501764 / Financial Ombudsman Service (FOS) #40942